LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,323
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,862
−HK$548/mo
Today · 4.125%
HK$18,410
baseline
▲ 0.50% · 4.625%
HK$19,530
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,820/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,272
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,789
−HK$524/mo
Today · 4.125%
HK$20,313
baseline
▲ 0.50% · 4.625%
HK$21,384
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,626/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,788
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$657/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,436
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$629/mo
Today · 4.125%
HK$24,376
baseline
▲ 0.50% · 4.625%
HK$25,661
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,752/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,007
−HK$766/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,704
−HK$734/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$29,937
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,182
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,152
−HK$985/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$35,154
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,689
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,620
−HK$944/mo
Today · 4.125%
HK$36,564
baseline
▲ 0.50% · 4.625%
HK$38,491
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,128/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,912 · Scale 2, in force from 26 Feb 2026)